Commercial Bank Lending To SMEs Business Development Strategy

Small and medium-sized enterprises in our country play important and irreplaceable roles in domestic economy, during their development, they need more capitals which ensure their survival and development. In china, the main way to obtain external financing is the loan from banks. But the fact is that, it is difficult for the small and medium-sized enterprises to obtain capital circulation from banks because of missing information and collateral. This has become the impassable bottleneck during the development of small and medium-sized enterprises.Getting loan from banks is one of the main important ways of external financing. For the small and medium-sized enterprises, getting loans from banks will ease the difficulties of hard financing; for the commercial banks, implementation of organic balance of cost, risks and returns and financial service for small and medium-sized enterprises, the dissertation, proceeding from management and operation of commercial banks, has deeply discussed methods in developing financial service for small and medium-sized enterprises, especially in establishing relevant internal mechanisms for commercial banks. With the impact of complicated factors, the loan processing of small and medium-sized enterprises from commercial banks will face the large pressure from credit risks and competition within the industry.Based on our current financial environment and the actual trends in the banking industry, this dissertation use the credit rationing theory, the commercial bank’s credit risk management theory and the "financial gap" theory, from a theoretical point of view, to explain what caused this for small and medium-sized enterprises to obtain bank credit difficulties? What is the impact of commercial bank lending to small and medium-sized enterprises fundamental element in decision-making. After the analysis expounded China’s commercial banks in lending to small and medium-sized enterprises business development status, problems and reason, and in learning the Japanese banking and financial services to small and medium enterprises based on the practice field, given China’s commercial banks in small and medium-sized enterprises credit business strategy should be taken in the proposal.